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Snap and Crackle and Pop decide to enter into a pooling arrangement. Under the arrangement, each person will pay their share of the total loss

Snap and Crackle and Pop decide to enter into a pooling arrangement. Under the arrangement, each person will pay their share of the total loss at the end of the year. If each has a probability of loss of 10.0% and the size of the potential loss per member is $7600, what is the probability that each member will have to pay nothing?
Please give your response in 5 decimal places (i.e. write 0.00037 and not .037%)
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